Once you purchase an insurance policy, what you are actually doing is expecting the insurance company to pay for any damages that comes up in a covered event. The terms both of you have agreed on in your insurance policy tells you what events would be covered and also what events the insurer would be willing to cover up for. Insurance companies today are known to add disclaimers as well as special clauses which in some cases might make the insurance claim complicating but it is still the legal duty of your insurer to investigate, handle and also process your insurance claims with good faith. The case might not be smooth and there might be a disagreement and this has prompted motorist to ask how to sue an insurance company without a lawyer.
If an insurance claim decides to deny your legitimate claim or delays it wrongfully then you can actually say that the insurance company is guilty for carrying out bad insurance practices. Some other examples of the wrong actions insurance companies takes includes;
- Policy misreprensetation
- Telling a claimant lies about his available coverage
- Indulging in unprofessional and unethical behavior which causes the claimant to accept a lesser compensation or to drop claims
How To Sue An Insurance Company Without A Lawyer
It is completely possible for you to file a claim against an insurance company that has carried out bad faith insurance actions without a lawyer but the fact is coming out successful in such a battle might be very difficult. This is because they have the services of power in-house legal teams which have what it takes to drag out a legal war that would cause the opposing party to either drop the claims or settle for less compensation. In addition, insurance companies nowadays would not push back when a legitimate claim is filed against them but two factors that you would need to consider whether you should hire a lawyer or not is damages and fault.
If the fault of the accident is clearly not yours then there is no way it can be pinned on you so there isn’t enough grounds for the insurance company to push the blame back to you or avoid settlement. Furthermore, insurance companies would not push back against small claims than when they are hit with a larger claim.
How To File A Bad Faith Claim
Issuing a letter claiming bad faith is the first step that you must take when it comes to filing a law claim on an insurance companies bad faith. If you want to get a favorable result then the best thing that you should do is having the name of an attorney on this letter. However, a claimant is also capable of providing a very strong claimant letter without needing the help of an attorney. If you want to make a strong case without the help of an attorney then make sure all documentations and evidence are provided in the letter. You should take your time to explain the following in your letter;
- Ways in which the insurance acted in bad faith
- The extent of your damages
- Reasons behind your claims
If you are good at drafting out a comprehensive letter then the insurance company is likely to take your letter very seriously. It isn’t in the best interests of any insurance company to have to deal with claims accusing them of bad faith insurance practices so providing them with a bad faith claims letter might just be that push they need to get you to talk about a settlement. If a bad faith claim ends up going to a lawsuit then trust me, it would be difficult for you to go further without the help of an attorney.
One last thing we want to leave you with is knowing that pursuing a legal claim without the help of an attorney has significant risks. Every claimant taking this route needs to get himself or herself fully prepared and they should also take some time to consider the elements surrounding the insurance policy as well as their legal rights. This would help them conclude if they really want to proceed without the help of a legal representative or not.